Some personal finance statistics from Jump$tart * Of the 4,000 students who took the Jump$tart personal finance survey in 2002, 68.1% received failing scores. (Source: Jump$tart Coalition); * Research has shown that as little as 10 hours of personal financial education positively affects students' spending and savings habits. (Source: National Endowment for Financial Education); * More than one in five youths ages 12 to 19 have their own credit card or have access to their parents credit cards, and 14% have debit cards. (Source: Teenage Research Unlimited); * 45% of college students are in credit card debt, the average credit card debt being $3,066. (Source: U.S. Senate Resolution); * Graduating college students have an average of $20,402 in combined education loan and credit card balances. (Source: Nellie Mae); * University administrators state they lose more students to credit card debt than to academic failure. (Source: Utah Mentor and The Voice Daily News); * Approximately 10 million Americans, "the unbanked," are not using mainstream insured financial institutions. (Source: The Bureau of National Affairs.); * 48% of credit card owners only pay their minimum monthly payment each month. (Source: VISA); * The average American retires with only enough savings to provide about 60% of their former income. (Source: American Savings Education Council); * 69% of Americans plan to work in their retirement years. (Source: AARP)